# PennyTracker vs Waypoint Budget Planner App

The clearest difference is in-app purchases: PennyTracker at none against Waypoint Budget Planner App's 4. Waypoint Budget Planner App's advantage is update cadence (every 8 days vs every 8 months) and iOS requirement (15.0 vs 18.6). On price, ads and device support there is nothing between them.

Both are free to download. Waypoint Budget Planner App sells 4 in-app purchases, starting at $7.99 per month. PennyTracker asks for nothing beyond the download.

PennyTracker ships an update every 8 months, Waypoint Budget Planner App every 8 days. The most recent releases landed on October 30, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | PennyTracker | Waypoint Budget Planner App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (3 ratings)](https://appshunter.io/ios/app/waypoint-budget-planner-app/id6781432747/reviews)** |
| Number of ratings | — | **3** |
| Positive reviews | — | 93.1% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 8 months | **Every 8 days** |
| Monetization | — | Freemium |
| Size | 7 MB | 39 MB |
| Requires iOS | 18.6 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [JENNIFER JUNG-JEN CHEN](https://appshunter.io/developer/1810516656) | [Waypoint Budget Inc.](https://appshunter.io/developer/1787471132) |

## What reviewers say

### PennyTracker

[App page](https://appshunter.io/ios/app/pennytracker/id6751426414)

**Features:** Vision Pro support

**In-app purchases:** none


### Waypoint Budget Planner App

[App page](https://appshunter.io/ios/app/waypoint-budget-planner-app/id6781432747)

This app helps you manage your finances with a clear, simple interface. Track expenses, build savings, and set financial goals without overwhelming dashboards or data selling. It offers bank syncing and manual tracking options.

**Highlights:** Safe to Spend calculation, Home and Lock Screen widgets, Flexible budget planning, Bank sync with 10,000+ banks, Quick Add and smart categorization, AI Money Coach insights, Savings goals tracking

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Waypoint Plus | $7.99 | per month |
| Waypoint Pro | $12.99 | per month |
| Waypoint Plus | $79.99 | per year |
| Waypoint Pro | $129.99 | per year |


## Frequently asked questions

### Is PennyTracker free?

PennyTracker is free to download, with no in-app purchases.

### Is Waypoint Budget Planner App free?

Waypoint Budget Planner App is free to download, with in-app purchases available.

### Do PennyTracker or Waypoint Budget Planner App have ads?

Neither PennyTracker nor Waypoint Budget Planner App shows ads.

### Which is updated more often, PennyTracker or Waypoint Budget Planner App?

PennyTracker ships an update every 8 months, and Waypoint Budget Planner App every 8 days. Most recently, PennyTracker was updated on October 30, 2026 and Waypoint Budget Planner App on November 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*